Settling Claims Fairly and Promptly

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Insurance is one of the few commodities you pay for in the sincere hope you’ll never need it. Purchasing a policy at a bargain price doesn’t count for much if your insurer is unresponsive, unfair or uncooperative in settling a claim, whether the loss is home, business or farm related. Keystone National is as conscientious about settling claims as it is in securing affordable coverage.

Fairness and promptness in settling claims, the true service component of the industry, are high priorities.

Keystone National is understandably proud of its solid record in settling claims, very few of which are challenged as unfair settlements. There is a misconception that the objective of claims is to save the company as much money as possible or that the adjuster somehow gets a piece of the action. Our professional adjusters, whether company or independent, are committed to adhering to the insurance contract and receive zero incentive for "saving the company money".

In-house adjusters work closely with the policy holders for prompt resolution of the claim, with independent adjusters filling that role in specified geographical areas. These adjusters are not employees but tried-and-true contractors with long-standing relationships with Keystone National. Because a number of the adjusters have draft authority from the company, adjusters are often able to hand checks to clients literally at the scene of their loss.

New claims are monitored in-house, but both the agent and the underwriter are a vital part of the process. That’s one reason the client who has suffered the damage or loss is always kept in the loop

Here’s How to File a Claim…

Contact your independent agent during business hours, and he’ll get the process started by filing a Loss Notice Form through a centralized claims dispatch. In the event you cannot contact your agent, call 570-746-9515 during office hours Monday through Friday (8 a.m. to 4:30 p.m.)

If it is an emergency requiring immediate attention, you may contact Chief Claims Officer David Schweitzer at 570-881-0325 or any of the following adjusters: John Salerno— 570-881-1127, Nathan Wilson— 814-771-3885, Jeff Gibasiewicz— 412-855-6053, Steve Acquino— 570-721-2026, or Isaac Graham— 814-577-3520.

Did You Know?

You are not covered by water seepage into your basement with a typical homeowner’s policy (HO-3) and, if it is not related to flooding, you will not be covered by flood insurance. This is generally regarded as a maintenance issue that would require specialty coverage.  (Insurance Information Institute)